Do you keep profits in the business bank account or invest them elsewhere?

The Narrative (Left Column)

The Empathy

You want your profits to grow, but you also need cash ready for inventory and fees.

The Education

Most vendors keep profits in a business account or savings account for easy access. Investments are riskier and less liquid, which can be problematic if you need cash quickly.

The Solution

Prioritize liquidity first, then consider investing surplus.

• Keep a reserve for upcoming expenses and slow seasons.
• Use a separate savings account for short-term goals.
• Only invest money that will not be needed for 6–12 months.

Cash on hand often matters more than returns for small businesses.